| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $0 | $31K | 5.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $13K | $13K | 2.30% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN, INC. | 721 SOUTH PARKER STREET SUITE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 1.53% |
| ENHANCED BENEFITS INS SOLUTIONS5 | 9625 MISSION GORGE ROAD SUITE B2 304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.58% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.00% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 84 | $815K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 84 | $565K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 84 | $565K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $36K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 84 | $815K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.